Once upon a time the choice was somewhat difficult, but these days you can pretty much go either way & still achieve an airline gig in the not too distant future.
I would think that if money was tight then perhaps get an instructors rating & go down that path 'cause in order to do serious twin charter you still need a few hrs on various twin types in order to get anywhere. Instructing on a C152/C172 isn't that difficult & is cheap compared to getting time on say a BE58/PA31 or the likes. Yr choice, yr lucky 'cause a lot in here had little of that many years ago, I'm jealous in some ways, wish I was yr age again !
Good luck
CW